Since you have group creditable coverage (see video on right), you can wait to enroll in Medicare Later. You have the option to not enroll (defer) both Medicare A and B, or you can enroll in premium free Part A and defer Part B which has a cost.
If you do not have a Health Savings Account, we recommend that you enroll in Part A to get your Medicare number established. It is not required, but does not cost you anything. Please visit our enroll in Part A only webpage for more details.
However, if you have an HSA (Health Savings Account) on your group health plan, you should not enroll in either Medicare Parts A or B.
Deferring is easy but will depend on if you are already collecting social security income:
As long as you are not collecting Social Security Income, you should not be automatically enrolled in Medicare A or B. If you want coverage, you will have to go online and enroll yourself. So, assuming that you do not want to enroll in Medicare A and B, simply DO NOTHING. You do not need to notify anyone that you are deferring. Simply don’t enroll and you will have deferred by default. You will have to show proof of creditable coverage when you go to enroll later. See details below.
You will be automatically enrolled in Medicare A and B. You will receive your ID card approximately 3 months before your 65th birthday.
Please follow the instructions that came with your Medicare Card to Return your Medicare Part B. You have 60 days to return Part B and it will be as if Part B never started. Social Security will send you a new Medicare card with Part A only.
You cannot defer Part A if you are collecting social security income.
If you are more than 60 days past your Part B effective date, please contact HTA to get a Part B disenrollment form.
What is Group Creditable Coverage? 1m10s
Enrolling Later:
The Request For Employment Information form provides the creditable coverage information to avoid a Medicare Part B penalty when you enroll after age 65. This form is not required until you are ready to enroll.
- There is no need to notify Medicare now if you are not enrolling.
- No need to keep this form, we can provide the current version when you are closer to enrollment.
- If you change jobs after age 65, you will be required to get this form completed by each employer that provided Group Health Benefits after age 65.